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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $117,081 | $111,814+4.7% | $103,374+13.3% | $145,959-19.8% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 11.26% | 24.77%-13.5pp | 24.89%-13.6pp | 561.95%-550.7pp |
| Employer contribution / active EE | $3,605 | $4,214-14.4% | $3,869-6.8% | $4,661-22.6% |
| Participant deferral / active EE | $7,854 | $5,618+39.8% | $5,058+55.3% | $6,689+17.4% |
| Admin fee / account holder | $2,948 | $9,754-69.8% | $8,394-64.9% | $13,398-78.0% |